$&*W$()*W$*&QQE%$(Q)Q%!Q&89W35$
That’s the edited version of my not nice reaction to a phone call I had with the loan officer this morning.
Now I have things figured out, 10 months too late.
We misread an email from Navient and thought we didn’t need to make payments for two months after renegotiating our loan repayment plan. The email was simply stating what the quarterly accrued interest was on the loan. It was very close to our new payment amount. So, we didn’t pay for two months. Those two months are now in the past 12 months and are keeping my credit score too low to qualify for a loan. My wife’s is fine, but they make their call based upon the average of the two middle credit scores for us. Stupid, stupid, stupid. This also explains why Navient was always so confused when I was talking to them about the grace period they had given me.